v3.26.3
Allowance for Credit Losses - Schedule of Loan Portfolio by Credit Quality Indicator (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Dec. 31, 2025
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 $ 15,314,622   $ 15,314,622    
2025 7,835,703   7,835,703    
2024 5,366,168   5,366,168    
2023 3,721,959   3,721,959    
2022 4,462,708   4,462,708    
Prior 12,862,272   12,862,272    
Revolving 7,188,087   7,188,087    
Revolving to Term 53,052   53,052    
Total Loans 56,804,571 $ 52,063,482 56,804,571 $ 52,063,482 $ 53,105,101
Gross write offs          
2026 7,820   8,312    
2025 1,806   16,625    
2024 8,202   13,556    
2023 1,372   8,396    
2022 424   5,996    
Prior 7,550   15,220    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 27,174 28,846 68,105 64,790  
Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 3,004,575   3,004,575    
2025 3,044,518   3,044,518    
2024 2,206,005   2,206,005    
2023 1,301,719   1,301,719    
2022 852,582   852,582    
Prior 1,506,983   1,506,983    
Revolving 6,380,665   6,380,665    
Revolving to Term 44,718   44,718    
Total Loans 18,341,765   18,341,765    
Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 305,357   305,357    
2025 648,725   648,725    
2024 675,662   675,662    
2023 424,378   424,378    
2022 467,354   467,354    
Prior 141,302   141,302    
Revolving 16,111   16,111    
Revolving to Term 0   0    
Total Loans 2,678,889   2,678,889    
Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 2,407,916   2,407,916    
2025 2,142,075   2,142,075    
2024 1,074,152   1,074,152    
2023 1,044,452   1,044,452    
2022 1,631,922   1,631,922    
Prior 3,757,195   3,757,195    
Revolving 222,938   222,938    
Revolving to Term 1,072   1,072    
Total Loans 12,281,722   12,281,722    
Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 336   336    
2025 99   99    
2024 537   537    
2023 600   600    
2022 546   546    
Prior 26,402   26,402    
Revolving 472,049   472,049    
Revolving to Term 7,262   7,262    
Total Loans 507,831 484,202 507,831 484,202 480,525
Gross write offs          
Total Loans 0 27 0 138  
Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 847,096   847,096    
2025 1,018,586   1,018,586    
2024 581,970   581,970    
2023 354,231   354,231    
2022 723,013   723,013    
Prior 1,171,119   1,171,119    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 4,696,015 4,143,870 4,696,015 4,143,870 4,317,232
Gross write offs          
Total Loans 107 26 620 26  
Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 8,399,042   8,399,042    
2025 222,825   222,825    
2024 2,455   2,455    
2023 0   0    
2022 0   0    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 8,624,322   8,624,322    
Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 346,023   346,023    
2025 755,875   755,875    
2024 824,429   824,429    
2023 595,389   595,389    
2022 787,138   787,138    
Prior 6,230,009   6,230,009    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 9,538,863   9,538,863    
Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 4,277   4,277    
2025 3,000   3,000    
2024 958   958    
2023 1,190   1,190    
2022 153   153    
Prior 29,262   29,262    
Revolving 96,324   96,324    
Revolving to Term 0   0    
Total Loans 135,164 147,016 135,164 147,016 $ 114,864
Gross write offs          
Total Loans 217 $ 174 569 $ 500  
Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 15,068,862   15,068,862    
2025 7,699,872   7,699,872    
2024 5,188,429   5,188,429    
2023 3,509,744   3,509,744    
2022 4,218,920   4,218,920    
Prior 12,451,550   12,451,550    
Revolving 6,920,568   6,920,568    
Revolving to Term 30,606   30,606    
Total Loans 55,088,551   55,088,551    
Pass | Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 2,971,051   2,971,051    
2025 2,962,402   2,962,402    
2024 2,111,289   2,111,289    
2023 1,232,190   1,232,190    
2022 796,861   796,861    
Prior 1,422,808   1,422,808    
Revolving 6,120,810   6,120,810    
Revolving to Term 22,512   22,512    
Total Loans 17,639,923   17,639,923    
Pass | Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 305,357   305,357    
2025 643,695   643,695    
2024 633,432   633,432    
2023 374,720   374,720    
2022 405,309   405,309    
Prior 97,462   97,462    
Revolving 16,111   16,111    
Revolving to Term 0   0    
Total Loans 2,476,086   2,476,086    
Pass | Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 2,305,130   2,305,130    
2025 2,115,291   2,115,291    
2024 1,052,536   1,052,536    
2023 971,119   971,119    
2022 1,532,813   1,532,813    
Prior 3,646,392   3,646,392    
Revolving 222,938   222,938    
Revolving to Term 1,072   1,072    
Total Loans 11,847,291   11,847,291    
Pass | Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 336   336    
2025 99   99    
2024 210   210    
2023 155   155    
2022 239   239    
Prior 21,041   21,041    
Revolving 464,397   464,397    
Revolving to Term 7,022   7,022    
Total Loans 493,499   493,499    
Pass | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 846,610   846,610    
2025 1,015,239   1,015,239    
2024 563,158   563,158    
2023 335,846   335,846    
2022 696,483   696,483    
Prior 1,035,455   1,035,455    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 4,492,791   4,492,791    
Pass | Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 8,290,104   8,290,104    
2025 204,365   204,365    
2024 2,434   2,434    
2023 0   0    
2022 0   0    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 8,496,903   8,496,903    
Pass | Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 346,023   346,023    
2025 755,875   755,875    
2024 824,429   824,429    
2023 595,389   595,389    
2022 787,138   787,138    
Prior 6,199,163   6,199,163    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 9,508,017   9,508,017    
Pass | Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 4,251   4,251    
2025 2,906   2,906    
2024 941   941    
2023 325   325    
2022 77   77    
Prior 29,229   29,229    
Revolving 96,312   96,312    
Revolving to Term 0   0    
Total Loans 134,041   134,041    
Special mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 219,412   219,412    
2025 57,105   57,105    
2024 92,640   92,640    
2023 78,163   78,163    
2022 132,996   132,996    
Prior 60,323   60,323    
Revolving 232,760   232,760    
Revolving to Term 19,606   19,606    
Total Loans 893,005   893,005    
Special mention | Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 27,967   27,967    
2025 19,693   19,693    
2024 48,251   48,251    
2023 28,875   28,875    
2022 9,922   9,922    
Prior 10,700   10,700    
Revolving 226,790   226,790    
Revolving to Term 19,503   19,503    
Total Loans 391,701   391,701    
Special mention | Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 5,030   5,030    
2024 42,230   42,230    
2023 16,363   16,363    
2022 62,045   62,045    
Prior 2,255   2,255    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 127,923   127,923    
Special mention | Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 102,786   102,786    
2025 26,581   26,581    
2024 851   851    
2023 30,297   30,297    
2022 54,081   54,081    
Prior 37,933   37,933    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 252,529   252,529    
Special mention | Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 0   0    
2024 292   292    
2023 106   106    
2022 97   97    
Prior 840   840    
Revolving 5,962   5,962    
Revolving to Term 103   103    
Total Loans 7,400   7,400    
Special mention | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 319   319    
2025 1,059   1,059    
2024 988   988    
2023 1,660   1,660    
2022 6,775   6,775    
Prior 8,594   8,594    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 19,395   19,395    
Special mention | Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 88,320   88,320    
2025 4,665   4,665    
2024 20   20    
2023 0   0    
2022 0   0    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 93,005   93,005    
Special mention | Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 0   0    
2024 0   0    
2023 0   0    
2022      
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 0   0    
Special mention | Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 20   20    
2025 77   77    
2024 8   8    
2023 862   862    
2022 76   76    
Prior 1   1    
Revolving 8   8    
Revolving to Term 0   0    
Total Loans 1,052   1,052    
Substandard accrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 10,043   10,043    
2025 55,010   55,010    
2024 61,453   61,453    
2023 111,066   111,066    
2022 64,409   64,409    
Prior 198,730   198,730    
Revolving 27,455   27,455    
Revolving to Term 2,293   2,293    
Total Loans 530,459   530,459    
Substandard accrual | Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 1,211   1,211    
2025 52,365   52,365    
2024 38,472   38,472    
2023 34,939   34,939    
2022 14,124   14,124    
Prior 55,443   55,443    
Revolving 25,761   25,761    
Revolving to Term 2,156   2,156    
Total Loans 224,471   224,471    
Substandard accrual | Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 0   0    
2024 0   0    
2023 33,295   33,295    
2022 0   0    
Prior 40,751   40,751    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 74,046   74,046    
Substandard accrual | Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 203   203    
2024 20,765   20,765    
2023 41,765   41,765    
2022 44,346   44,346    
Prior 62,644   62,644    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 169,723   169,723    
Substandard accrual | Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 0   0    
2024 35   35    
2023 240   240    
2022 70   70    
Prior 3,611   3,611    
Revolving 1,690   1,690    
Revolving to Term 137   137    
Total Loans 5,783   5,783    
Substandard accrual | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 153   153    
2025 26   26    
2024 2,172   2,172    
2023 824   824    
2022 5,869   5,869    
Prior 5,429   5,429    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 14,473   14,473    
Substandard accrual | Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 8,673   8,673    
2025 2,400   2,400    
2024 0   0    
2023 0   0    
2022 0   0    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 11,073   11,073    
Substandard accrual | Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 0   0    
2024 0   0    
2023 0   0    
2022 0   0    
Prior 30,846   30,846    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 30,846   30,846    
Substandard accrual | Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 6   6    
2025 16   16    
2024 9   9    
2023 3   3    
2022 0   0    
Prior 6   6    
Revolving 4   4    
Revolving to Term 0   0    
Total Loans 44   44    
Substandard non-accrual/doubtful          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 16,305   16,305    
2025 22,451   22,451    
2024 10,675   10,675    
2023 12,870   12,870    
2022 38,256   38,256    
Prior 41,010   41,010    
Revolving 7,304   7,304    
Revolving to Term 547   547    
Total Loans 149,418   149,418    
Substandard non-accrual/doubtful | Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 4,346   4,346    
2025 10,058   10,058    
2024 7,993   7,993    
2023 5,715   5,715    
2022 31,675   31,675    
Prior 18,032   18,032    
Revolving 7,304   7,304    
Revolving to Term 547   547    
Total Loans 85,670   85,670    
Substandard non-accrual/doubtful | Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 0   0    
2024 0   0    
2023 0   0    
2022 0   0    
Prior 834   834    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 834   834    
Substandard non-accrual/doubtful | Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 0   0    
2024 0   0    
2023 1,271   1,271    
2022 682   682    
Prior 10,226   10,226    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 12,179   12,179    
Substandard non-accrual/doubtful | Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 0   0    
2024 0   0    
2023 99   99    
2022 140   140    
Prior 910   910    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 1,149   1,149    
Substandard non-accrual/doubtful | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 14   14    
2025 997   997    
2024 2,681   2,681    
2023 5,785   5,785    
2022 5,759   5,759    
Prior 10,982   10,982    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 26,218   26,218    
Substandard non-accrual/doubtful | Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 11,945   11,945    
2025 11,395   11,395    
2024 1   1    
2023 0   0    
2022 0   0    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 23,341   23,341    
Substandard non-accrual/doubtful | Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 0   0    
2024 0   0    
2023 0   0    
2022 0   0    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 0   0    
Substandard non-accrual/doubtful | Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 1   1    
2024 0   0    
2023 0   0    
2022 0   0    
Prior 26   26    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 27   27    
Early buy-out loans guaranteed by U.S. government agencies          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 1,265   1,265    
2024 12,971   12,971    
2023 10,116   10,116    
2022 8,127   8,127    
Prior 110,659   110,659    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 143,138   143,138    
Early buy-out loans guaranteed by U.S. government agencies | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2026 0   0    
2025 1,265   1,265    
2024 12,971   12,971    
2023 10,116   10,116    
2022 8,127   8,127    
Prior 110,659   110,659    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans $ 143,138   $ 143,138